Name

Steve Dibert

Company

MFI-Miami

E-mail

Contact Steve Dibert (MFI-Miami)

Website

http://www.mfi-miami.com

Office Phone

(954) 607-2266

Cell Phone

(561) 317-9978

Alt. Phone

(305) 851-2460

Fax

(888) 525-4285

Description

MFI-Miami is Florida’s premier forensic mortgage auditing firm. Our goal is to shed light on the errors and fraudulent actions committed by mortgage brokers and lenders.

About Us:

We are highly seasoned mortgage and real estate experts.  Our staff has an individual average of over 25 years experience in residential lending and real estate, and each has been called upon from time to time to act as an expert witness.  Our experience allows us to find errors most real estate agents, mortgage brokers, and lawyers overlook.    We examine both your closing documents and the lender's documents.   We then compile that information into a comprehensive Forensic Loan Audit which details violations of the ECOA, HMDA, TILA, RESPA, Fair Housing Act, Flood Disaster Protection Act just to name a few.  The Forensic Loan Audit is then supplied to you for your own records, and to an attorney for follow up action.

Florida:

Miami: 305-851-2460

Ft. Lauderdale: 954-607-2266

West Palm Beach: 561-317-9978

Tampa: 941-312-7620

Michigan:

Metro Detroit: 248-841-8511/586-276-7177

Northern MI: 231-622-7566

Massachusetts:

Boston: 857-776-3030

Washington D.C. Metro: 301-728-2634/301-979-9577

Areas of Expertise

To effectively perform a compliance audit, you must have extensive experience in the loan process and be able to reverse engineer what the loan officer did.   A single residential real estate file can be covered by numerous consumer protection laws and regulations - RESPA, Reg. B (ECOA), Reg. C (HMDA), Reg. Z (TILA), Fair Housing Act, and Flood Disaster Protection Act, FTC violations, violations of Florida statutes 475, 494, 501, 627, 675 and others.  We also trace the securitization process all the way to the actual certificate the loan is in.  The applicability of any law depends on various factors that may, or may not, be evident in the loan file.

Testimonials

In September of 2006, I approached Steve about helping refinance out of lease-option agreement.  After reviewing the majority of my closing documents, Steve found three RESPA statutes had been violated, four TILA violations, a HMDA violation and an ECOA violation.   Steve advised me to seek legal counsel.  He went with me to interview attorney after attorney, and was I surprised!  Steve knew more than these real estate attorneys.  We eventually found an attorney and because of Steve's knowledge and experience we were able to keep a parasite investor and an unscrupulous broker from gutting our equity and from stealing our home.  We are now near the end of the litigation to keep our home and we owe Steve a big thank you for all his hard work and diligence.

-Mary Eveleigh, Charlevoix, MI